You have lots of choices when trying to find low-cost insurance for your vehicle. You can buy direct from an agent or get quotes online to compare pricing from multiple companies. Buying auto insurance online saves time, is easy to do and at the same time you can save money.

Shopping online for auto insurance is challenging if you are a beginner to quoting online. Don't let that stop you because it's actually quite easy. Getting lower is not rocket science. The only thing you need to do is invest a little time getting comparison quotes online from several insurance companies. This can be accomplished by visiting this page.

What factors determine car insurance premiums?

Car insurance premiums for your 2006 can be significantly different and are calculated by many factors. Taken into consideration are:

  • High performance increases premiums
  • How many accidents you have had
  • Multiple policies can save money
  • Pleasure, commuting or business use can affect rates
  • Special coverage such as replacement cost
  • Your claim history
  • Having current coverage saves
  • Whether you rent or own your home

An additional factor that helps determine is the year of the vehicle. A newer vehicle cost more than older models so the costs to repair may end up costing you more. On the flip side, more recent vehicles may have safety features like a telematics system, adaptive cruise control, and anti-lock brakes that may help provide discounts that lower premiums.

Liability coverage

This will cover damages or injuries you inflict on other's property or people in an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so you should buy as large an amount as possible.

Coverage for collisions

Collision insurance will pay to fix damage to your resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible to get cheaper .

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This gives you protection when other motorists are uninsured or don't have enough coverage. Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as doctor visits, EMT expenses, and X-ray expenses. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. PIP coverage is only offered in select states but can be used in place of medical payments coverage.